BofA Secured Card Unsecured.

datrucking210 · ‎08-14-2016

Hello everyone while I was out of town I received a letter in the mail from BofA informing me that my secured card had unsecured. I opened it back in January and put little used the first month on it and had been sock drawred for a couple months. really surprised me that in 7 months it unsecured. The bad part still stuck at $500 but on the plus side I'll get my $99.

On that note should I expect the check on the email and how long does it take to get it. I was gone since the 12th of July and the letter was dated the 14th and did mention that within 14 days I should get my deposit. I got back home this past wednesday and I was going through the old mail and saw this letter but no security deposit. It'obviously past the 14 days so getting kind of worried.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

Anonymous · ‎08-14-2016

@datrucking210 wrote:
Hello everyone while I was out of town I received a letter in the mail from BofA informing me that my secured card had unsecured. I opened it back in January and put little used the first month on it and had been sock drawred for a couple months. really surprised me that in 7 months it unsecured. The bad part still stuck at $500 but on the plus side I'll get my $99.

On that note should I expect the check on the email and how long does it take to get it. I was gone since the 12th of July and the letter was dated the 14th and did mention that within 14 days I should get my deposit. I got back home this past wednesday and I was going through the old mail and saw this letter but no security deposit. It'obviously past the 14 days so getting kind of worried.

If you have a Bank of America checking account, why wouldn't they just transfer the money there instead of sending you a check?

Or do you bank with someone else and just have the credit card through them?

Anonymous · ‎08-14-2016

Congrats on your card unsecuring. If you're concerned about your refund, call CS. Enjoy your new card!

datrucking210 · ‎08-15-2016

@Anonymous wrote:
@datrucking210 wrote:
Hello everyone while I was out of town I received a letter in the mail from BofA informing me that my secured card had unsecured. I opened it back in January and put little used the first month on it and had been sock drawred for a couple months. really surprised me that in 7 months it unsecured. The bad part still stuck at $500 but on the plus side I'll get my $99.

On that note should I expect the check on the email and how long does it take to get it. I was gone since the 12th of July and the letter was dated the 14th and did mention that within 14 days I should get my deposit. I got back home this past wednesday and I was going through the old mail and saw this letter but no security deposit. It'obviously past the 14 days so getting kind of worried.
If you have a Bank of America checking account, why wouldn't they just transfer the money there instead of sending you a check?

Or do you bank with someone else and just have the credit card through them?

I have a checking account with them, $100 bonus offer which I'm also waiting for that bonus to post, the security deposit hasn't posted to my account either. I would think that would be the most convenient option but not sure if they do that.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

AU:

Anonymous · ‎08-15-2016

They pay you back the way you paid them. If you paid the deposit from the checking it should go back to the same checking. If you paid cash, than wait for the check in the mail.If you paid some other form, transfer, it will be a check too. I paid it from my checking with them, and it showed up after a couple of days after I did a HP CLI for a $1000. Back then I did not know that I should have requested a lot more and see what they counter offer...

Anonymous · ‎08-15-2016

Congrats. How do you keep up with all those cards?

wmweeza · ‎08-15-2016

When I started out with this card they refunded my deposit by putting it in my account, there was no check involved. Watch your deposits in your account, I bet it'll be there (maybe it already arrived and you didn't see it even).

Last App 10/14. FICO's: AMEX Ex 846, BarclayTU08 815.FAKOs:CreditKarma 775,CS score 771.BofA 5400,Target $5000,Barnes $8500,Amex $22k

datrucking210 · ‎09-03-2016

Well it turns out there was another stack of mail that my dear sister forgot to tell me about and there it was, the $99 check from BofA.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

AU:

Anonymous · ‎09-03-2016

@datrucking210 wrote:
Well it turns out there was another stack of mail that my dear sister forgot to tell me about and there it was, the $99 check from BofA.

Great!! Did you try for a CLI? It's going to be HP. My BoA secured card became unsecured after a year. I did not know I could request a CLI so I kept the measly $400 CL for two years..... until I started reading this forum. I requested a CLI and was given a CL of $5k. I was also able to get this card PC'd to the BoA Cash Rewards card.